Category: lifelock

Unlike the government we actually need to balance our checkbooks. A budget allows you to identify spending habits, and allows your business (or personal) to make necessary adjustments and changes.

Don’t just be in business to stay in business-be in business to grow your business

There are many areas to delve into for a complete business plan, for practical purposes we will stick to budgeting and a few essentials.

Check list: All of this and more inside my 16-award winning book:

“the sexy little book of finance III” 2 books in one-Personal & Business

Your budget should be on a spreadsheet in excel or another format so you can update.

Personal budget and Business information should be part of your routine.

Make copies of all serial numbers of vehicles, laptops, cell phones, or any other important information of equipment.

Copies of any operators or employees who have access to any equipment, vehicles, should have their drivers license and insurance so you have the information and can check any expiration dates.

Credit card numbers, expiration dates, and all employees who assigned a card

Record of all policies or contracts

Starting inventory and ending inventories (daily, weekly, monthly, and annually) or as deemed appropriate for your business model

Bank loans, all financial information stored & backed up daily on a private server or encrypted cloud program

ADD your own categories.

You should have a full marketing plan (in writing), websites with SEO search, game plan how are you going to market your product or services – internet-seminars-mailers-email campaigns-workshops-etc. If you are looking for money from a bank or lending institution all this will be necessary. Everybody thinks they can apply and get approved in 15 seconds with 3 little questions and nothing else to provide…SORRY, little things like bank statements, tax returns, personal financial statements (free on our website) just to mention a few things. You can see what else may be required on our website.

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